Risk grade updatedRisk gradeEvidence verified
21 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → C.Business profile
PSL Visa Oy
PSL Visa Oy's registered office is Nummela. It is a limited company. The company was established on 1993-11-03. It operates in the industry of manufacture of other builders’ carpentry and joinery n.e.c.. In its latest retained statement for 2026-01-31, revenue was €48,740 and operating profit was -€1,410.
Business ID 0938461-0ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 0938461-0
- Sector
- Manufacture of other builders’ carpentry and joinery n.e.c.
- Municipality
- Nummela
- Company form
- Limited company
- Registration date
- 1993-11-03
- Business ID registration date
- 1993-09-17
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: JUURIKUJA 3, 03100, Nummela
About PSL Visa Oy
Financial position and key figures for the company.
PSL Visa Oy's location municipality is Nummela. It is a limited company. The company was established on 1993-11-03. It operates in the industry of manufacture of other builders’ carpentry and joinery n.e.c.. In its latest retained statement for 2026-01-31, revenue was €48,740 and operating profit was -€1,410. The latest retained financial statement for 2026-01-31 shows revenue of €48,740 and profit for the financial year of -€5,045. Based on the latest retained statement, revenue growth was -8.6%, operating margin was -2.9%, and equity ratio was -5.9%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2026-01-31
5
2
PRH/XBRL financial statement
Derived indicators
Revenue growth-8.6%
Operating margin-2.9%
Equity ratio-5.9%
Balance-sheet contextLatest financial period
Cash and bank€5,275Previous: €4,812
Retained earnings€222Previous: €31,637
Equity-€1,459Previous: €3,585
Liabilities€26,369Previous: €24,392
Current assets€17,533Previous: €8,348
Current liabilities€26,369Previous: €24,392
Revenue trend2 periods
€53,302
2025-01-31
€48,740
2026-01-31
Operating profit (loss) trend2 periods
-€31,334
2025-01-31
-€1,410
2026-01-31
Profit (loss) for the financial year trend2 periods
-€31,416
2025-01-31
-€5,045
2026-01-31
Assets trend2 periods
€27,978
2025-01-31
€24,910
2026-01-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioWeak
0/100 · Declining
Current ratioWeak
7/100 · Stable
Operating profit marginWeak
43/100 · Improving
Ratio history
| Ratio | 2025-01-31 | 2026-01-31 |
|---|---|---|
| Equity ratio | 12.8 % | -5.9 % |
| Current ratio | 0.20x | 0.20x |
| Operating profit margin | -58.8 % | -2.9 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID0938461-0
VAT IDFI09384610
EU IDFIFPRO.0938461-0
MunicipalityNummela
Current registered entries
1993-09-17Registered in Tax Administration (Tax Administration)
1993-11-03Registered in Patent and Registration Office (Trade Register)
1994-06-01VAT-liable for business activity in Tax Administration (VAT Register)
1995-03-01Registered in Tax Administration (Prepayment Register)
Risk certificate
An open-data based company stability and risk signal.
BUSINESS.fi
BUSINESS.fi Luottoluokitus
Profile-specific risk signal based on open data
Automatic gradeNot a credit decision
C
Elevated riskPSL Visa Oy
Grade downgradedB1 → C · new analysis 2026-09-21
38/100
High
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
3 comparable periodsRevenueStable
ProfitabilityImproving
LiquidityStable
Same size nationallyDescriptive comparison – does not change the model score.
359 peersSolvency17%
Below 83% of peers
Profitability32%
Below 68% of peers
Liquidity46%
Close to the peer-group midpoint
Revenue growth33%
Below 67% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings41 days after period end
98 days after period end
4 consecutive periods
Supporting factors
- Company context reduces the weight of an isolated financial signal
- Active registered status
- A newer financial statement filing has been reported
Risk factors to note
- Negative equity
- Weak current ratio
- Negative profitability or net result
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsC
2026-09-21 21:5838/100 · v0.14
B1 → C · -28 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2026-01-31).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1466/100 · v0.14
B1 → B1B1
2026-09-1466/100 · v0.13
B1 → B1 · +6 points- Assessment confidence: Low → Medium.
- Evidence quality: Registry and statistical evidence → Registry and statistical evidence.
- New risk factor: Sufficient structured financial metrics are not available.
B1
2026-09-1360/100 · v0.12
Oldest retained automatic assessment in this comparisonC
2026-09-21
open-risk-grade-v0.14
The grade can use open digital financial statement data together with registry signals.
Risk context
When sufficient source-backed financial metrics are not available for a Tier 1 assessment, BUSINESS.fi shows registry, industry, and regional context.
Industry riskmedium
52/100
Industry context is medium based on normalized open statistical inputs.
Age and continuityVakiintunut
90/100
The company has about 32 years of registry continuity.
Registry and status signalsVakaa
80/100
Registry history, filing recency, and active register markings are still limited or mixed.
Events & news
Verified events and sourced external company news in one timeline.
Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Risk grade updatedRisk gradeEvidence verified
13 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
18 register eventsLatest event: 2026-03-13
Financial statements availability
Available financial statement periods and PRH source filings.
5 financial statement periodsLatest financial period: 2026-01-31
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2025-12-31.
This company profile has not been claimed yet
PSL Visa Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.